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Credit Card Worth

Tell us how you spend. We'll tell you which Canadian credit card actually pays you back — after fees, welcome bonuses, and category caps.

Your monthly spending

$
$0$2,500
$
$0$2,000
$
$0$1,000
$
$0$1,000
$
$0$5,000
Total yearly spend$24,600

Your best match

Scotiabank — Gold American Express

Year 1 you'll earn about $1126 net (after the fee, plus the welcome bonus). Ongoing: about $726/year. Solid pick for your spending.

Year 1 net

$1,126

Ongoing per year

$726

Welcome bonus

$400

See full card details →

How every card stacks up for your spending

#1

Scotiabank Gold American Express

$120 fee · 6% on Sobeys, Safeway, IGA, Foodland, Farm Boy

+$726/yr

ongoing

#2

BMO CashBack World Elite Mastercard

$120 fee · 5% on Groceries

+$678/yr

ongoing

#3

American Express Cobalt Card

$155.88 fee · 5% on Groceries

+$570/yr

ongoing

#4

CIBC Dividend Visa Infinite

$120 fee · 4% on Groceries

+$558/yr

ongoing

#5

Scotiabank Momentum Visa Infinite

$120 fee · 4% on Groceries

+$540/yr

ongoing

#6

PC Financial PC Optimum World Elite Mastercard

$0 fee · 3% on Loblaws, Shoppers Drug Mart, No Frills, Real Canadian Superstore

+$414/yr

ongoing

#7

American Express SimplyCash Card

$0 fee · 2% on Gas (2%)

+$389/yr

ongoing

#8

TD Cash Back Visa Infinite

$139 fee · 3% on Groceries

+$383/yr

ongoing

#9

Rogers Bank Red World Elite Mastercard

$0 fee · 3% on U.S. dollar purchases (3%)

+$369/yr

ongoing

#10

MBNA Rewards World Elite Mastercard

$120 fee · 5% on Groceries (first $500/month)

+$366/yr

ongoing

#11

CIBC Costco Mastercard

$0 fee · 3% on Restaurants (3%)

+$366/yr

ongoing

#12

KOHO KOHO Mastercard (Essential)

$0 fee · 2% on Groceries

+$366/yr

ongoing

#13

Tangerine Money-Back Mastercard

$0 fee · 2% on Choose 2 of 10 categories (groceries, gas, dining, etc.)

+$339/yr

ongoing

#14

Scotiabank Passport Visa Infinite

$150 fee · 3% on Groceries (Sobeys family)

+$336/yr

ongoing

#15

National Bank World Elite Mastercard

$150 fee · 2% on Groceries

+$306/yr

ongoing

#16

Simplii Financial Cash Back Visa

$0 fee · 4% on Restaurants

+$249/yr

ongoing

#17

Brim Financial World Elite Mastercard

$0 fee · 2% on Foreign purchases

+$246/yr

ongoing

#18

Wealthsimple Cash Card (Prepaid Visa)

$0 fee · 1% on All purchases

+$246/yr

ongoing

#19

Neo Financial Neo Mastercard

$0 fee · 15% on Rotating merchant partners

+$246/yr

ongoing

#20

Capital One Aspire Cash Platinum Mastercard

$0 fee · 1% on All purchases

+$246/yr

ongoing

#21

Home Trust Preferred Visa

$0 fee · 1% on All purchases

+$246/yr

ongoing

#22

TD Aeroplan Visa Infinite

$139 fee · 1.5% on Groceries

+$161/yr

ongoing

#23

RBC Avion Visa Infinite

$120 fee · 1.25% on Travel booked through Avion

+$126/yr

ongoing

#24

American Express Gold Rewards Card

$250 fee · 2% on Groceries

+$104/yr

ongoing

#25

Home Trust Secured Visa

$0 fee · 0% on

+$0/yr

ongoing

#26

American Express Platinum Card

$799 fee · 3% on Restaurants

-$429/yr

ongoing

If you have American Express Platinum Card...

This card loses you about $429/year after the fee and cap effects. Your spending doesn't match the card's earning categories. Switching to the top match saves you roughly $1,155/year.

How this works: We take your monthly spending and test it against every Canadian credit card in our database. For each card we calculate: rewards earned on spending that falls into the card's top categories (at the top rate), rewards on everything else (at the base rate), welcome bonus value (year one only), minus the annual fee. The card with the highest ongoing net value wins. This doesn't account for perks like lounge access or travel insurance — those are bonuses on top.